EFIN Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	115.07	29.2	27.72	67.53	76.32	128.28
Investment Securities	216.1	175.88	202.3	227.46	221.33	53.88
Mortgage-Backed Securities	-	74.03	73.07	57.52	22.76	43.17
Total Investments	216.1	249.91	275.37	284.98	244.09	97.06
Gross Loans	207.32	220.05	212.38	183.26	192.35	223.31
Allowance for Loan Losses	-2.49	-2.8	-2.61	-1.71	-1.72	-1.84
Net Loans	204.82	217.26	209.77	181.55	190.63	221.47
Property, Plant & Equipment	-	6.06	7.7	7.38	7.59	7.24
Accrued Interest Receivable	-	2.43	2.78	2.41	1.91	1.29
Long-Term Deferred Tax Assets	-	2.54	3.2	3.87	0.47	-
Other Long-Term Assets	24.08	13.63	13.33	15.86	13.04	12.62
Total Assets	560.06	521.02	539.86	563.57	534.04	467.97
Interest Bearing Deposits	357.42	341.24	356.38	376.21	351.13	299.23
Institutional Deposits	-	2.52	3.29	3.57	4.05	2.19
Non-Interest Bearing Deposits	144.09	126.25	137.7	147.64	132.76	122.25
Total Deposits	501.51	470	497.38	527.41	487.94	423.67
Accrued Interest Payable	-	0.01	0.01	0.01	0.01	0.01
Other Long-Term Liabilities	2.34	2.42	2.06	3.49	1.52	1.39
Total Liabilities	503.85	472.42	499.45	530.91	489.47	425.07
Common Stock	6.3	6.22	6.12	6.15	6.19	6.08
Additional Paid-In Capital	-	2.97	2.7	2.6	2.47	2.3
Retained Earnings	48.74	45.57	41.2	37.73	36.97	33.43
Comprehensive Income & Other	1.18	-6.16	-9.59	-13.81	-1.04	1.08
Shareholders' Equity	56.22	48.6	40.42	32.66	44.58	42.9
Total Liabilities & Equity	560.06	521.02	539.86	563.57	534.04	467.97
Net Cash (Debt)	115.07	29.7	29.7	72.97	91.13	153.22
Net Cash Growth	423.66%	-0.02%	-59.29%	-19.93%	-40.52%	113.33%
Net Cash Per Share	88.78	23.28	23.69	57.55	72.85	123.76
Filing Date Shares Outstanding	1.3	1.28	1.25	1.25	1.25	1.22
Total Common Shares Outstanding	1.3	1.28	1.25	1.25	1.25	1.22
Book Value Per Share	43.28	38.09	32.23	26.14	35.64	35.02
Tangible Book Value	56.22	48.6	40.42	32.66	44.58	42.9
Tangible Book Value Per Share	43.28	38.09	32.23	26.14	35.64	35.02

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.